Public Sector

For municipalities, cities, and other public sector entities, we offer comprehensive grant-related consulting services including analyses of suitable grant programmes, preparation of applications, administration, and tenders. 

In the area of ESG, we provide support in the implementation of sustainable projects, the development of decarbonisation strategies, and non-financial reporting as well as overall energy audits.

These services help the public sector to effectively take advantage of available grants and contribute to sustainable regional development. 

• Grant-related consulting – KB EU Point
• The most comprehensive ESG consulting services on the market – KB ENVIROS

We offer tailored investment project financing solutions to meet the needs of municipalities and the public sector. We provide both operational financing, financing of investments, and pre-financing of grants that can be drawn up to three years before grants are received, allowing for the timely implementation of key projects - such as infrastructure reconstruction, modernisation of public buildings or technology purchases. 

Financing is set on an individual basis, with the possibility of using security through assets or other forms of guarantees, or with the option of grants. 

• Operational financing
• Pre-grant financing - Ponte II programme

Our deposit products help our clients to safely generate returns on their funds while maintaining the flexibility to fund day-to-day operations and long-term projects. The advantage is the ability to define specific terms and conditions for both municipalities and the organisations they establish, including the smallest ones.

With regard to the management of available funds of municipalities and public institutions, we offer returns on current and savings accounts, as well as term deposits with guaranteed interest rates. 

The use of notional cash pooling enables effective liquidity management across the accounts of the entire organisation.

We offer and process both domestic and foreign payment transactions and solutions. 

We allow public sector entities to accept payments in a modern and secure way - with the use of physical payment terminals, mobile phone-based payment terminals, and online payment gateways that can be used for payments such as fees, revenue stamps or admission charges. These services increase comfort for citizens and simplify payment management. 

• Payment terminal (physical)
• PayPhone – fully operational payment terminal in a mobile phone (no additional devices required)
• Payment gateway
• Other digital services